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    • Many thanks for the replies and advice!   I what to send this email to the Starbucks CEO and the area manager. Your thoughts would be appreciated.   [email protected] [email protected]   Re: MET Parking PNC at your Starbucks Southgate site   Dear Ms Rayner, / Dear Heather Christie,   I have received a Notice to Keeper regarding a Parking Charge Notice of £100 for the driver parking in the Southgate Park Car Park, otherwise infamously known as the Stanstead Starbucks/McDonalds car park(s).   Issued by: MET Parking Services Ltd Parking Charge Notice Number: XXXXXXXXX Vehicle Registration Number: XXXX XXX Date of Contravention: XX.XX.XXXX Time: XX:XX - XX:XX   After a little research it apears that the driver is not alone in being caught in what is commonly described as a scam, and has featured in the national press and on the mainstream television.   It is a shame that the reputation of Starbucks is being tarnished by this, with your customers leaving the lowest possible reviews on Trustpilot and Trip Advisor at this location, and to be associated with what on the face of it appears to be a doubious and predatory car park management company.   In this instance, during the early hours of the morning the driver required a coffee and parked up outside Starbucks with the intention of purchasing one from yourselves. Unfortunately, you were closed so the driver walked to McDonalds next door and ordered a coffee, and for this I have received the Notice to Keeper.   It is claimed that the car park is two separate car parks (Starbucks/McDonalds). However, there is no barrier or road markings to identity a boundary, and the signage in the car park(s) and outside your property is ambiguous, as such the terms would most likely be deemed unfair and unenforcable under the Consumer Rights Act 2015.   I understand that Starbucks-Euro Garages neither operate or benefit from the charges imposed by MET Parking. However, MET Parking is your client.   Additionally, I understand that the charge amount of £100 had previously been upheld in court due to a ‘legitimate interest in making sure that a car park was run as efficiently as possible to benefit other drivers as well as the local stores, keeping cars from overstaying’.   However, this is not applicable when the shop or store is closed (as was the case here), as there is no legitimate interest. Therefore, the amount demanded is a penalty and is punitive, again contravening the Consumer Rights Act 2015.   As the driver’s intention of the visit was genuine, I would be grateful if you could please instruct your client to cancel this Notice to Keeper/Parking Charge Notice.   Kind regards
    • I received the promised call back from the Saga man today who informed me that the undertakers have decreed it IS a modification and they will need to recalculate a quote individually for me. However it all sounds very arbitrary. The more I think about it, and with help from forum replies, the more I am sure that it is not a modification. If for example the original seatback had become damaged by a spillage or a tear, I would be entitled to replace it with the nearest available part. The problem is when it comes to a payout after an accident, there is no telling what an individual insurer will decide when he notices the change. I am still undecided which of the two best routes to go with, either don't mention the replacement at all, or fill in the quote form without mentioning, and when it comes to buying the insurance over the phone, mention it at the time.
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Amex


Mike J 1973
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I have tried a couple of times to send CCA request to Amex, but they never get signed for. I am sending them to

 

American Express

Services Europe Ltd

Department 871

Brighton

BN88 1AH

 

Is there another addrss I could use, or another way to get the request there as without proof they have got it I dont think I can use the 12+2 time limit.

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use the address on any letter that is chasing you

then keep proff of postage

 

if you've done that

 

and the 12+2 has passed

 

stop payments and fire off the a/c in despute letter

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Cheers DX

 

Just so I am sure i have this right, as I have proof of postage, i.e. the receipt I have from posting the letter that was meant to be signed for, that I can work the 12 + 2 days from that??

 

I have sent a few letters than need to be signed for, that have never been signed for, but I know they have got them as I have had replies etc. I am guessing they get so much post the postman dosent bother with the signature!

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not your problem!

 

they'll soon take notice when you stop payment

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 6 years later...

Hi,

I'm hoping somebody can't point me in the right direction please

 

I got into financial distress sometime ago but have been in a self administered DMP.

 

I had arrangements set up with all parties and all payments were being made on time.

 

However there appeared to be no light at the end of the tunnel so to speak as it was going to take 22 years to sort the mess out and eventually looked to enter an IVA.

 

The IVA was rejected by my largest creditor so I have gone back to my DMP.

 

However this is when an issue regarding Amex occurred,

I had been dealing with NCO Regain for a couple of years

but then came along Allied International Credit saying they were now dealing with it,

but NCO kept contacting me saying they were.

 

I told them both until Amex wrote to me to tell me who was dealing with it the account was in dispute.

 

I never got confirmation from Amex so I stopped paying,

 

I have written to Amex three times,

on the first two occasions I got letters back saying it was being investigated but never got a further response.

 

I then started getting calls from Amex so I again stated that I wanted in writing who I had to deal with but got nothing.

 

Then a letter turned up offering me a 50% settlement discount,

however I received the letter after the expiry date of the offer.

 

I called and explained again and was told I would be emailed confirmation of who to deal with, but of course no email turned up.

 

I have again written to them at the Brighton Address and also sent a copy to their CEO at the London address.

Both have been signed for on delivery but I have had no reply yet again (about 3 weeks ago)

 

Should I just do nothing?

They havent registered a default against me but when they call they keep threatening to.

 

I'm happy to put it back in my DMP, but I don't know who to pay.

I could really do without a default as it will set my credit file back a couple of years as everybody else I defaulted on registered defaults in 2014.

 

Any thoughts would be very welcome.

 

Thanks in advance.

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old and new threads merged for history.

 

why did you enter into a DMP with them when they faiied your CCA request from 2010?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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who said that?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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NCO and allied are simply DCA's

they are not bailiffs and have no such legal powers

 

I question why you are even bothering with them and why you are talking on the phone to them....

 

you are being cash cowed,..

 

who on their letters is quoted as 'their client'??

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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answer the questions

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you have made no posts on cag whereby you have asked if the CCa return you got for this card is enforceable

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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so post 10 then please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I can't find any reference on the letters from NCO or AIC that mention their client, however today Amex have got back to me and told me

 

''Your account is currently with our agent, FirstSource LLP'

 

I have never heard of or been contacted by this company, not really sure what to do. Do I just put them into my DMP?

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when did you last send the OC a CCA request?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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send a new one to whom ever last chased for payment which was?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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something is really wrong with the account if the OC are offering 50% discount.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I stopped proper payments in 2014 and moved to a DMP, my last payment from my DMP to it was in September when I had two DCA's asking for payment and I have been trying to get clarification of who to pay ever since.

 

It appears the account was returned to Amex who then wrote and offered a 50% settlement (payable over two years) I was tempted to take this offer up to get it all sorted but I'll send a CCA request and post the reply (if there is one)

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the account has always been owned by Amex

those DCA's are just chasers not debt buyers

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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